by Ed Hinerman | Feb 10, 2009 | buy/sell life insurance, insurance, life insurance, term insurance, universal life, whole life
For those that sell whole life or universal life they would have everyone believe that term insurance is a product developed by insurance companies to keep from paying death benefits. The only way to have life insurance is to have it go on for life, says them. What...
by Ed Hinerman | Feb 7, 2009 | diabetes, heart disease, insurance, life insurance
Seguros de vida ayuda en español? Hinerman Group has always been about serving the unserved and underserved in the life insurance business. We specialize in helping those who can’t get life insurance or run into road blocks getting life insurance through the...
by Ed Hinerman | Feb 5, 2009 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea, stroke
Talk about a sensitive issue. The truth is that being overweight isn’t an easy thing to be and it isn’t an easy thing to talk about, and when you are told your life insurance will cost more because of it, it feels like a slap in the face. Having said that,...
by Ed Hinerman | Feb 4, 2009 | bipolar, bipolar disorder, diabetes, insurance, life insurance, mortality, mortality risk
Actually rather than the best change, I think the word clarification is more precise. Sometimes it truly isn’t who you know, but what you know about what underwriters need to see. Case in point is bipolar disorder. Two years ago I didn’t have a clue about...
by Ed Hinerman | Feb 3, 2009 | insurance, life insurance, term insurance, universal life, variable universal life, whole life
We’ve discussed a lot of different aspects of how the current recession and economic meltdown can impact life insurance. There’s more to talk about that will be coming soon Certainly any non guaranteed product will see rate increases. That’s no...
by Ed Hinerman | Feb 2, 2009 | blood pressure, decline, high blood pressure, insurance, life insurance, mortality, PSA, stroke, term insurance
The trend never seems to end. Men especially aren’t real keen on regular checkups with their doctors and have this almost childlike view of mortality. They’re sure people get sick and die, but it’s certainly not them or anyone remotely close to their...
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